Flexible and competitive loans that match the needs of your business.

Our loans are designed to give your business the support it needs, making extra medium or long-term finance available for you to continue to grow and develop your business.


With a business loan from AIB (NI), you can finance your plans for future growth, leaving your other credit facilities, such as overdrafts, free for working capital requirements.


To apply for a business loan or business overdraft, your company must be incorporated and registered in the UK.


8.3% APR representative for loan amounts up to the value of £25,000.

(other loan amounts available at alternative rates).





Representative example


Loan amount of £5,000 with 36 payments over 3 years of £154.83 per month. Total amount payable £5,628.88. Interest rate 7.25% p.a. (variable).  8.3% APR representative. An arrangement fee will be charged of normally 1% of the agreed facility (minimum £55).


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Business loan features and benefits

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    Competitive interest rates

    • A variable interest rate may be negotiated on a case by case basis.
    • Loans are subject to eligibility criteria and may be subject to an arrangement fee.
    • Further information on interest, fees and charges is available from your branch.

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    Tailored to suit your business needs

    • Flexible repayment terms which put you in control of your business finances.
    • Repayments can be structured to suit the cashflow pattern of your business.

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    Grow your business

    • Allows you to invest into your business while controlling the effect this has on your cashflow.
    • With repayments spread over the life of a loan, you may minimise the effects a purchase may have on your liquidity.
    • Enabling cash and overdraft facilities to be used to fund working capital.

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Important information

Business Loan terms and conditions are available on request. Applicants must be 18 years or over and resident in the UK. As a responsible lender AIB (NI) will only lend money based on our assessment of your ability to repay. Written quotations available on request.

Talk to us

Simply call 0345 6005 925or drop into any AIB branch. We’ll be happy to answer any questions you may have about applying for a business loan.


† Lines open: 9am to 5pm Monday - Friday (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider. 

Help and guidance


Standards of Lending Practice for Business Customers

We adhere to the Standards of Lending Practice for Business Customers which sets standards for banks when dealing with lending and overdrafts for business customers. You can get more information on the Standards from any branch or at www.lendingstandardsboard.org.uk. Under the Standards we have also developed a Statement of Lender and Borrower Responsibilities to ensure that the relationship works well for both of us.


Cashflow planner tool

A financial and budgetary tool to help manage your business cashflow.